A very few select companies have come
out with Return of Premium Term Life Insurance (ROPT). ROPT is very
simple to understand. You pay a premium that is marginally higher then
the normal level term life costs you normally would pay and if you do
not die, you get the premium returned to you in full.
The rub is that you do not get
investment growth on the premium paid. However, you do get returned to
you the term premium you would have paid and never seen again in the
event you did not die.